National MediclaimPolicy
  • Explore plan's features and benefits
  • Find out the eligibility criteria
  • Learn about the claim process
National Health Insurance
premium

Network hospitals

3000+

premium

Incurred claim ratio

102.35%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.3

premium

Pan India Presence

1730

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3000+

premium

Incurred claim ratio

102.35%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.3

premium

Pan India Presence

1730

National Mediclaim Policy

National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to the policyholders. This plan was launched by the National Insurance Company to offer financial comfort to the insured at the time of a medical emergency. The Policy provides for Pre Hospitalisation (45 days) and Post Hospitalisation (60 days) expenses, 140+ Day Care procedures, organ donor's medical expenses, ambulance charges, Morbid Obesity treatment, correction of Refractive Error and provides for reinstatement of Basic Sum Insured (above SI of 6L), if applicable as per terms.

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National Insurance Mediclaim Policy Specifications:

Child Entry Age

3 months

Adult Entry Age

18 to 65 years

Plan Type

Individual/Family Floater

Policy Term

1 Year

Initial Waiting Period

30 Days

Sum Insured

1 L | 2 L | 3 L | 4 L | 5 L | 7 L | 10 L

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

National Insurance Mediclaim Policy Specifications:

With wide coverage options, National Insurance Mediclaim Policy lets you customize your health insurance plan as per your needs and requirements:

In-patient & Out-patient coverage

Room Rent

Up to 1% of SI

ICU Charges

Up to 2% of SI

Pre-Hospitalization

Covered up to 45 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

140+ procedures

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Available up to 50% of SI

Automatic Restoration

Not Available

Daily Hospital Cash

Not available

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not available

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Not Available

Modern Treatment

Up to 25% of SI

Emergency Coverage

Ambulance

Covered up to 2k

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Every 4 claim free years

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Up to 20% Available

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under National Mediclaim Policy?

Under National Mediclaim Policy, the room rent is covered by up to 1% of the SI subject to a maximum of Rs. 10,000/- per day.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under National Mediclaim Policy?

Under this plan, ICU charges coverage is available up to 2% of the SI.

Under National Mediclaim Policy, the room rent is covered up to INR 20,000 per day

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under National Mediclaim Policy?

This plan covers medical expenses incurred during pre-hospitalization for up to 45 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under National Mediclaim Policy?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under National Mediclaim Policy?

Under National Mediclaim Policy, domiciliary hospitalizations are not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under National Mediclaim Policy?

This plan covers expenses of 140+ daycare procedures

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under National Mediclaim Policy?

Not covered under the plan.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under National Mediclaim Policy?

Covid-19 Covered.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under National Mediclaim Policy?

Under this plan, you are not covered for cataract treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under National Mediclaim Policy?

The plan offers a maximum of up to 50% of the sum insured.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under National Mediclaim Policy?

The plan does not offer automatic restoration.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under National Mediclaim Policy?

The daily hospital cash is unavailable under this policy but has a limit of room rent per day explained in the given table.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under National Mediclaim Policy?

Under the plan, Organ Donor expenses are not covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under National Mediclaim Policy?

The maternity cover available under this plan is not covered.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under National Mediclaim Policy?

Not covered under this plan

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under National Mediclaim Policy?

AYUSH treatment is covered under this plan up to SI

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under National Mediclaim Policy?

Not available

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under National Mediclaim Policy?

Modern Treatment is covered for up to 25% of SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under National Mediclaim Policy?

This plan covers ambulance charges up to INR 2000.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under National Mediclaim Policy?

Not covered

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under National Mediclaim Policy?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under National Mediclaim Policy?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under National Mediclaim Policy?

The plan does not cover the expenses for e-consultation.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under National Mediclaim Policy?

The plan offers a Health Check-up benefit for every 4 claim free years.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under National Mediclaim Policy?

The plan does not cover expenses for Second Medical Opinion.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under National Mediclaim Policy?

The plan does not offer vaccination coverage.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under National Mediclaim Policy?

If opted, the policyholder may choose either of the two copayment options- 20% Co-payment on each admissible claim, with a 15% discount on premium.

15% Co-payment on each admissible claim, with a 10% discount on premium.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under National Mediclaim Policy?

No sub-limits are available

Choose your National Mediclaim Policy

With wide coverage options, National Insurance Mediclaim Policy lets you customize your health insurance plan as per your needs and requirements:

How to report a claim?

You can file cashless and reimbursement claims with National Insurance Mediclaim Policies. Here are the ways to do so:

Cashless Claims

These are the fastest modes of making a claim. The policyholder can visit the network hospital of the company, avail of the treatment and after verification, the money will be deposited directly into the hospital's account. Here are the steps to file a cashless claim:

Step 1: Notify the insurer 72 hours before the hospitalization. In case of an emergency, inform the company within 24 hours of hospitalization.

Step 2: On admission, a pre-hospitalization intimation will be sent to the TPA by the hospital. They will provide the estimation of the expenses and the treatment procedures. Gather all the necessary documents that support the claims.

Step 3: Submit all the documents along with the duly filled claim form.

Step 4: The company will verify all the documents.

Step 5: After verification of the documents, the company will transfer the amount directly to the hospital. Following the submission of the documents, this will take about 15 days.

Reimbursement Claims

With reimbursement claims, the policyholder gets the privilege to avail of treatment at any non-network hospital. Here are the steps:

Step 1: Inform the company/TPA 72 hours before the admission, and for emergency hospitalization, 24 hours within the hospitalization.

Step 2: After the treatment, gather all the documents, such as medical reports and doctor's consultations, hospital bills. Pre and post-hospitalization expenses can be claimed separately.

Step 3: Submit all the documents and bills, to the insurer, within 15 days of discharge.

Step 4: The company will verify all the details and documents.

Step 5: After verification of the documents, the company will transfer the amount to the policyholder's account.

Why you should buy a National Insurance Mediclaim Policy

National Insurance policies come with some amazing features. Read on to find out:

  • All-Inclusive Coverage:
    National insurance Mediclaim policy provides comprehensive coverage for almost all expenses including room charges, costs of surgery, medication, and doctor's consultation fees.
  • Maternity Benefits:
    The policy offers maternity benefits, covering both normal and cesarean birth, and pre and postnatal care for the mother and newborn. This gives peace of mind and financial benefits to the family.
  • No Claim Bonus:
    According to National Insurance mediclaim policy details, If the policyholder doesn't make any claim during a policy year, he is eligible for a no-claim bonus. This bonus gets added to the sum insured amount, giving monetary benefit to the insured.
  • Lifelong Renewability:
    National Insurance Mediclaim Policy offers lifetime renewability, This means that the customer gets policy benefits without any age restrictions.
  • Wide Network of Hospitals:
    National Insurance has a large network of hospitals across India. The company has more than 3000 network hospitals, which enables the customer to access quality healthcare services at various locations.

National Mediclaim Policy Benefits

Tax Benefits

Get tax relief under section 80D

Discounts

Avail various discounts

Health Incentives

Get rewarded for your healthy lifestyle & avail regular health check ups

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

Avail 10% discount on online purchase of National Mediclaim Policy

Health Incentives

The plan lets the policyholder earn up to 50% of their SI as Health Returns if they follow a healthy lifestyle and stay fit. Expenses of health check up shall be reimbursed.

National Mediclaim Policy Exclusions

Expenses related to the surgical treatment of obesity

Cosmetic or plastic surgery

Expenses of hazardous or adventure sports injury treatment

Drug/Alcohol Abuse

IVF

Maternity cover

Dental Treatment

Explore other National Health Plans

National Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive

This plan suits you best if you are a newly married individual or have dependents like kids or elderly parents as this health plan covers all of them along with you.

Unique Features

  • 12 Modern treatments
  • Maternity cover
  • Lifelong renewability

Mediclaim Policy (Pros)

  • Up to 50 L SI
  • 50% No-Claim Bonus
  • Tax Benefits
  • OPD Treatment Available
  • Health Check-up Available

Mediclaim Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

  • COVID Vaccination
  • Air Ambulance Cover
  • Maternity Cover
  • Hospital Cash Benefit
  • Children Vaccination Available

Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 30 Days

Family Floater

An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.

Unique Features

  • Infertility treatment cover
  • Vaccination for children
  • Cataract Treatment Covered

Parivar Mediclaim Policy (Pros)

  • 140 + day care procedures covered
  • Affordable Premiums
  • Maternity Cover
  • Ambulance Cover
  • Infertility Cover

Parivar Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Parivar Mediclaim Policy (Other Benefits)

  • Organ Donor Expenses
  • Vaccination Cover
  • AYUSH Cover
  • No Pre-Policy Check-Up
  • No Co-Pay

Parivar Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Family Floater

If you are looking for a healthcare policy providing a high sum assured and covers your family members under one cover this is the right policy for you.

Unique Features

  • Cover up to 50 Lakhs
  • 5% No claim discount
  • Critical Illness Benefit

Parivar Mediclaim Plus Policy (Pros)

  • High SI
  • Zone Wise Premiums
  • Multiple Discounts
  • Optional Covers Available
  • OPD Cover

Parivar Mediclaim Plus Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Parivar Mediclaim Plus Policy (Other Benefits)

  • Affordable Premiums
  • Tax Benefit
  • AYUSH Cover
  • Anti Rabies Vaccination
  • Air Ambulance

Parivar Mediclaim Plus Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 6 L to 50 L
  • Waiting Period - 30 Days

Standard

Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.

Unique Features

  • Individual/Floater
  • Online purchase discount
  • EMI facility available

Arogya Sanjeevani Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • Up to 50% No-claim Bonus
  • Flexible-Premium Payment

Arogya Sanjeevani Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Arogya Sanjeevani Policy (Other Benefits)

  • Enhanced Limits for Room Rent
  • Avail Online Discounts
  • Change Sum Insured
  • Lifelong Renewal
  • AYUSH Treatment

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Super Top-up

This policy covers your family members and offers high coverage at affordable prices.

Unique Features

  • Organ donation covered
  • Morbid obesity treatment covered
  • Portability allowed

Super Top Up Mediclaim Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • HIV/AIDS Cover
  • Obesity Treatment

Super Top Up Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Super Top Up Mediclaim Policy (Other Benefits)

  • No Sub-Limits
  • Tax Benefits
  • No Base Policy Required
  • Multiple Discounts
  • Up to 50% No-Claim Bonus

Super Top Up Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 20 L
  • Waiting Period - 30 Days

Comprehensive

A versatile health insurance policy available on an individual and family floater basis offering various optional covers.

Unique Features

  • No pre-policy Check-up
  • Health Incentives
  • Tax Benefits

Young India Mediclaim Policy (Pros)

  • Multiple Discounts Available
  • Zone Wise Premium
  • COVID Vaccination
  • Daycare Treatment Cover
  • Comprehensive Cover

Young India Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Young India Mediclaim Policy (Other Benefits)

  • High SI
  • Cataract Cover
  • Maternity Cover
  • AYUSH Treatment Cover
  • Personal Accident Cover

Young India Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 43 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Global Coverage

Overseas Mediclaim Business and Holiday

This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.

Unique Features

  • Coverage for business travel
  • Coverage for education abroad
  • Medical evacuation available

Overseas Mediclaim Business and Holiday (Pros)

  • Loss of Baggage Cover
  • Corporate Cover
  • Personal Accident Cover
  • Loss Of Passport Cover
  • Personal Liability Cover

Overseas Mediclaim Business and Holiday (Cons)

  • Hazardous Occupation
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

National OMBH Policy (Other Benefits)

  • Check-in Baggage Delay
  • Tax Benefit
  • Loss Of Check-in Baggage
  • Dental services
  • Permanent Total Disablement

National OMBH Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - N/A
  • Waiting Period - 30 Days

Global Coverage

Overseas Mediclaim Employment and Study Plan

A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.

Unique Features

  • Medical Evacuation
  • 5k USD medical emergency cover
  • Mental illness cover

Overseas Mediclaim Employment and Study Plan (Pros)

  • Illness Expense Cover
  • Accident Cover
  • Medical Evacuation
  • Transportation of Remains
  • Loss of Entire Sight Cover

Overseas Mediclaim Employment and Study Plan (Cons)

  • Hazardous Occupation
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

National OMES Policy (Other Benefits)

  • Permanent Total Disablement
  • Tax Benefit
  • Mental Illness Cover
  • Funeral Expenses
  • Affordable Premiums

National OMES Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - N/A
  • Waiting Period - 30 Days

Critical Illness

National Critical Illness Policy

A unique benefit policy that covers expenses in the event of the insured person being affected with any of the listed critical illnesses.

Unique Features

  • Cover up to 75 Lakhs
  • Covers pre-existing conditions
  • 37 critical illnesses covered

Critical Illness Policy (Pros)

  • High SI
  • Cancer Cover
  • Lump Sum Benefit
  • Short Survival Period
  • Sum Insured Enhancement

Critical Illness Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Critical Illness Policy (Other Benefits)

  • Affordable Premiums
  • Tax Benefit
  • Brain Surgery Cover
  • Alzheimer's Disease
  • Aorta Graft Surgery Cover

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 75 L
  • Waiting Period - 30 Days

Senior citizen

Secure your parents' future by providing medical coverage to senior citizens.

Unique Features

  • 5% increase in SI
  • 2 Plan options
  • Covers spouse

Senior Citizen Mediclaim Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • Up to 50% No-claim Bonus
  • Optional Covers Available

Senior Citizen Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Senior Citizen Mediclaim Policy (Other Benefits)

  • Regular medical consultation
  • Avail Online Discounts
  • AYUSH Treatment
  • Domiciliary Hospitalization
  • Hospital Cash

Senior Citizen Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 65 Years
  • Max Entry Age - 70 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Student Specific

National Vidyarthi Mediclaim Policy

Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.

Unique Features

  • Covers parents and students
  • Eyesight correction
  • Genetic disorders covered

Vidyarthi Mediclaim Policy (Pros)

  • Group Discount
  • 50% No-Claim Bonus
  • Tax Benefits
  • Hospitalization Cover
  • In-Patient Care

Vidyarthi Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Vidyarthi Mediclaim Policy (Other Benefits)

  • 12 Modern Treatment
  • Mental Illness
  • Genetic Disorders Cover
  • Eyesight Correction
  • Pre & Post Hospitalization

Vidyarthi Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 50K to 2 L
  • Waiting Period - 30 Days

COVID-19

This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.

Unique Features

  • Covers spouse and children
  • 5% discount for health staff
  • 10% online discount

Corona Kavach Policy (Pros)

  • Home Care Treatment
  • COVID Care
  • No Sub-Limits
  • No Pre-Policy Check-Up
  • Affordable Premiums

Corona Kavach Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Corona Kavach Policy (Other Benefits)

  • 15 Day Pre Hospitalization Cover
  • 30-Day Post-Hospitalization Cover
  • Discounts Available
  • Tax Benefits
  • Oxygen Cylinder Cover

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Disability Plan

National Divyan Sanjeevani Policy

An indemnity health insurance designed for people falling under the category of disabled, affected with HIV/AIDS, and mental illnesses.

Unique Features

  • No pre-policy check-up
  • Affordable Premiums
  • Tax Benefits

Divyan Sanjeevani Policy (Pros)

  • In-Patient Hospitalization
  • AYUSH Cover
  • Day Care Cover
  • Dental Treatment
  • Modern Treatment

Divyan Sanjeevani Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Divyan Sanjeevani Policy (Other Benefits)

  • Cataract Treatment
  • Acid Attack Cover
  • Blindness Cover
  • Chronic Neurological Cover
  • Ambulance Cover

Divyan Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - Newborn
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

Group Health Plan

It is a group indemnity health insurance plan designed to address the basic health insurance needs of employees.

Unique Features

  • 140+ daycare procedures
  • HIV Cover
  • Affordable Premiums

Group Mediclaim Policy (Pros)

  • SI up to 10 L
  • AYUSH Cover
  • Optional Covers Available
  • Discounts Available
  • Mental Illness Treatment

Group Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Group Mediclaim Policy (Other Benefits)

  • Co-Pay Discounts Available
  • PED Cover
  • 30 Day Pre Hospitalization
  • 60-Day Post Hospitalization
  • Modern Treatment

Group Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - N/A
  • SI - 50k to 10 L
  • Waiting Period - 30 Days

Accident Policy

This policy is designed to cater to high-risk professionals categorized as the normal, medium, and heavy occupational risk of the person.

Unique Features

  • 100% accidental death payout
  • PTD, PPD, TTD benefit
  • Dead body portability

Personal Accident Policy (Pros)

  • Temporary disability treatment
  • Death coverage benefits to the family
  • Loss of organ cover
  • Educational fund
  • Permanent Partial Disability cover

Personal Accident Policy (Cons)

  • PEDs not covered
  • Adventure sports not covered
  • Vaccination not covered
  • Maternity not covered

Personal Accident Policy (Other Benefits)

  • Family discounts available
  • Accidental treatment benefits up to SI
  • Cashless claim settlement
  • Deady body portability

Personal Accident Policy (Eligibility Criteria)

  • Entry age - 5 - 70 Years
  • SI - Upto INR 10 Lakhs
  • Policy tenure - 1 Year
  • Waiting period - None

National Mediclaim Policy: FAQ's

1. Does the National Mediclaim Policy offer a portability feature?

As per the IRDAI guidelines, portability is allowed to/from similar products.

2. Does National Insurance offer a discount for buying Mediclaim Policy online?

Yes, a 10% discount is available.

3. What are the co-payment options available with this plan?

The plan comes with two co-payment options. These options are:

  • 20% Co-payment on each admissible claim under the Policy, with a 15% discount in total premium.
  • 15% Co-payment on each admissible claim under the Policy, with a 10% discount in total premium.

4. What are the premium modes available in National Insurance Mediclaim policies?

The National Insurance Company allows the customers to pay their premiums in 2 modes that are:

Cash payment at the branch or Online Payment

For the online payment mode, the policyholder can pay using their Credit Card, Debit Card or Net banking service.

5. I want to check the status of my National Insurance Mediclaim policy? How can I do that?

To check the status of your National Insurance Mediclaim policy, you need to visit the official website of the company and login into the portal with your valid credentials.

6. Does the National Mediclaim policy offer any free-look period?

Yes, a health insurance plan purchased through National Insurance has a 15-day free look period during which the policyholder can return it without any penalties beig charged on him.

7. Is the National Mediclaim Policy a good mediclaim policy?

National Mediclaim Policy is a good and affordable mediclaim policy which covers you and your family members in case of any medical emergency.

8. What is the entry age for National Mediclaim Policy?

Any individual can be covered who is above 18 years of age under this policy. Children aged between 3 months to 18 years can also be included if at least one of the parents is covered under the same policy.

9. What is the maximum entry age for this policy?

The maximum entry age for National Mediclaim Policy is 65 years.

10. Can a spouse be covered under this policy?

Yes. Self, spouse, dependent children and dependent parents can be covered under this policy.

11. What is the age limit for policy renewal?

Lifelong policy renewal feature is available for National Mediclaim Policy.

12. Is treatment for obesity covered under National Mediclaim Policy?

No, this policy does not cover obesity treatments.

13. Is maternity cover available under National Mediclaim Policy?

No, maternity cover is not available.

14. Is it possible to cancel my policy after buying it?

Yes, the National Insurance Company allows policyholders to cancel this policy by giving 15 days written notice. However, in case of any such an event, the premium amount is refunded for the unexpired policy period as detailed below:

Period of riskRate of premium to be charged
Up to 1 month1/4 of the annual rate
Up to 3 months1/2 of the annual rate
Up to 6 months3/4 of the annual rate
Exceeding 6 monthsFull annual rate

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